When to move?

We have bought our house for 4 years now. Every month we have to serve the interest. If I am to accummulate the amount of bank interests, it would be enough to pay a portion of our house extension work.

Even without staying in the house, we already pay for it. We are thinking of refinancing as alternative for lower interest and more flexible loan package. Some more we have a management corporation managing the housing area, so every month we are to pay for the RM100 service charges. So unfair!! Wonder when it would be ready and we can move into it. Hmmmmm....